When emergencies and unexpected situations strike, it’s important to be prepared and make wise decisions.

As much as we’d like to pretend otherwise, we all have our spells of bad luck—an unexpected illness, a car accident, a leaky pipe.

Changes to the economy, your situation, or your goals may prompt you to take a look at your budget for opportunities to save.

Financial literacy is knowing what finances are and how to spend, save, and manage money effectively. But it’s not a light switch—you don’t flip the switch and be done with it.